INSURANCE COVER FOR
TEAM MANAGERS
As team managers who are in charge of a representative team, you
are automatically provided with insurance cover related to “athletics
activities” (UK, or Home Country teams but not including club
teams). This not only means training and competitions, but
administrative meetings, and functions attended in your capacity as
team manager.
GENERAL POINTS TO NOTE
Temporary Total Disablement (TTD) cover is from the individuals ‘usual
occupation’
Permanent total disablement (PTD) cover is from any and every occupation.
A 7 day deferment period applies to TTD.
No TTD benefit for ages 70 – 80 years.
This pamphlet tells you what insurance cover is provided and what to
do if you ever need to make a claim. Any additional cover required
will be your own responsibility.
C.TRAVEL INSURANCE
WHAT COVER IS PROVIDED?
COVER PROVIDED
Medical expenses abroad
Additional travel
Costs incurred by cancellation
A. PUBLIC LIABILITY AND THIRD PARTY INSURANCE
This policy relates to the legal liability of team managers, in respect of
those activities mentioned.
The amount of cover provided for any one incident is up to £20,000,000;
in the case of property damage the first £250 of any claim is not covered.
In case of negligent advice, the cover is £1,000,000 (10% or £5000
excess whichever is the greater capped at £25000). If a claim is made for
negligent advice UK Athletics as main policy holder will meet the excess
applicable. The policy covers activities anywhere in the world when the
team manager is part of a representative team.
The following are examples of where cover would apply, subject to legal
liability being proven:
• Bodily injury caused by your negligence to a third party (including
athletes, club members etc)
• Accidental damage caused by your negligence to material property
belonging to a third party for instance damage to fences on land being
used for a cross country race.
• Injury caused as a result of incidental first aid administered.
GENERAL POINTS TO NOTE
• This is not a personal accident policy, liability for injury or damage has
to be established (if an athlete trips over their own shoelaces and
breaks an arm, there is no automatic compensation it is down to the
injured party to prove negligence against the team manager).
• The policy does not provide cover for any loss or damage incurred
through use of a motor vehicle, which would otherwise covered by the
Road Traffic Acts and therefore be a matter for a claim against the
relevant motor vehicle insurance.
• If injury or damage is caused by a deliberate act or omission there is no
cover.
• Damage to or loss of a team manager’s personal property or in the
team manager’s custody or control may be covered by travel insurance,
but is never covered by this policy.
B. PERSONAL ACCIDENT INSURANCE
This policy covers team managers (over the age of 16 years, and below the
age of 80 years) when travelling directly to and from any meeting, event or
training session in their capacity as representative team manager.
Personal accident cover does not depend upon proof of legal liability and,
provided that there has been genuine personal injury that was not selfinflicted, benefits will be paid out.
COVER PROVIDED
Death
£50,000
Loss of eye or limb
£50,000
Permanent disablement from any occupation
£50,000
Temporary total disablement
Up to £250pw or
100% of net weekly wage whichever is less for 104 weeks
This policy covers team managers undertaking journeys outside the UK on
behalf of UK Athletics, EA, AAW, SAF, or NIAF.
£1,000,000
£10,000
£5,000
The following cover also applies to team managers when they are
travelling inside the UK to and from events promoted by and for UK
Athletics including championships and televised events. This does not
include club competitions, e.g. leagues, interclub fixtures and the like.
Personal property (Single article limit £7500)
Money
£2,000 per person
£500 per person
GENERAL POINTS TO NOTE
• A £250 excess applies to medical expenses, personal property and
sports equipment. £25 for all other losses.
• The Policy excludes pre-existing medical conditions, known at the time
of booking or travel.
• The Policy excludes persons over 80 years of age.
• Whilst Personal Effects cover remains at £2000 there is an increase
for sporting equipment to £7500; sporting equipment loss is subject to
an excess of 10% for any claims between £2000 and £7500.
HOW TO CLAIM AGAINST TRAVEL INSURANCE - MONEY /
PERSONAL PROPERTY
• Notify the team manager of the loss immediately and request that the
loss is reported to the organisers (if appropriate).
• All incidents of theft or disappearance of property must be reported to
the local police.
• Make a note of the circumstances at the time, and list all items that are
missing, this will help you when you fill in the claim form.
When the team returns from competition, advise the Athletics Services
team as soon as possible. A claim form will be sent out which must be
completed as fully as possible.
WHAT TO DO IN THE EVENT OF A DANGEROUS INCIDENT OR AN
ACCIDENT
In the case of either a dangerous incident or an accident, please complete
the UK Athletics Accident & Incident Report Form, and notify Peter
Sutcliffe, UK Athletics Health & Safety Manager. If this is not available
then collect the following information:
•
•
•
•
•
•
•
•
Date & time of accident/incident.
Details of the injured person.
Name of event and promoter.
Description of accident/incident with diagrams and/or photographs if
possible.
Nature of injuries.
Details of any first aid given and named of first aid representatives.
Names of other persons present.
Details of reporting person.
Copies of the form, or information collected, should be sent to the Health
& Safety team at Athletics Services at the address below.
In the event of the theft or disappearance of property or valuables, these
should additionally be reported to the local organiser and the local police.
Athletics Services, Athletics House, Central Boulevard, Blythe Valley Park, Solihull, West Midlands, B90 8AJ
T 0121 713 8400 F 0121 713 8452 E [email protected] W www.ukathletics.net Registered in England No.3686940
Updated January 2008